Research On The Mode Of Bank-trust Cooperation And The Regulatory Policies In China

With the continuous rapid development of economy in our country, the national percapita disposable income has improved significantly with the diversification of financialproducts and financial management concepts, and the increasingly strong demand forprofessional wealth management.Traditional bank financing products has been graduallynot able to satisfy the demand of the market, bank-trust cooperated products attracted theattention of many investors.But the development of China’s bank-trust cooperated wealthmanagement products are at the time that laws and regulations are imperfect, operationsare not standard, development is not stable, and many other shortcomings arethere.Because these cooperation products are not merely simple financial products.Andinvestment, financing, and other areas of the financial business also involves theformulation of laws and regulations, they are related to the healthy development of thedomestic financial market and other issues. So the in-depth research of this cooperationmode has theoretical and practical significance.In this article, we will integrate all aspects of bank-trust cooperation. a morecomprehensive approach will be used in analyzing the development and regulatorypolicies evolution of bank-trust cooperation, and compared that of the America, japan andGemany with and located financial development status of China. Exploring how thechanges and corresponding changes in regulatory policies inspired the business model inChina. In this article we will do some beneficial research in the bank-trust cooperationmodel and its regulatory policies. And bring up some suggestions for their developmentand innovation.The supervision system under separate operation has the features of rigor andindependence. It’s based on the legal features at the present stage of China. It developsfollowing the development of the financial integration and bank-trust cooperation.Regulatory policies should stick to the principles of comprehensive legislation,consolidated supervision, blurring the Institutional boundaries,"Functional" supervision inorder to ensure the stable development of the financial market and the national economy.